Farm Bureau of Michigan

failure to pay claim

I was injured in auto accident and had P I P coverage with Farm Bureau, they refused to pay and used delay tactics to put me off until they could no longer and found bogus reasons to not pay in the end!
Yet they claimed on my record that they HAD paid me $3, 441.00 which they did not pay.
I have a complaint en route to the BBB, The Office of Insurance Regulation, (which prior assisted Farm Bureau in their negative response), The Flint Journal and Farm Bureau themselves, trying to get someone to listen to me.

Isn't a contract a contract?
Is it fraud that they claimed for a year and half that they paid me, when they didn't?